FEMA flood zones · New Mexico

Union County, New Mexico Flood Zone Map

1 federal flood & hurricane disasters

Less than 1% of Union County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Union County, New Mexico. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

How Union County floods

Flash flooding from summer thunderstorms dominates the flood profile of Union County, New Mexico, accounting for 31 of the 32 recorded flood events over the past 30 years according to the NOAA Storm Events Database. Severe weather events driven by daytime heating, upper-level disturbances, and abundant atmospheric moisture frequently produce heavy rainfall capable of triggering rapid inundation.

Historical events illustrate these localized hazards. On July 1, 2021, abundant atmospheric moisture and rising temperatures caused deep convection that produced heavy rainfall and flash flooding in Grenville, resulting in two cars getting swept away by flood waters. Additional significant flash flood events occurred on August 29, 2020, and June 8, 2025, driven by combinations of backdoor cold fronts, upslope flow, and moisture east of a dryline.

Homeowners, real estate agents, and journalists should pay the closest attention to properties situated in low-lying areas, near drainage paths, and within designated flood zones where intense summer convection poses immediate risks.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

18 NOAA storm reports from Union County describe what happened, in the words of the forecasters who covered it. Read the New Mexico flood stories →

Federal disasters

7 federal disaster declarations since 1973, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Hurricane Katrina EvacuationAug 29, 2005
Severe Fire ThreatsMay 5, 2000
Severe Winter StormDec 22, 1997
DroughtMar 2, 1977
Severe Storms, Snow Melt & FloodingMay 11, 1973

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

32 since 1996: 31 flash floods and 1 river or area floods.

EventDateDamage
Flash FloodJun 8, 2025—
Flash FloodJul 30, 2022$15,000
Flash FloodJul 1, 2021$30,000
Flash FloodAug 29, 2020$30,000
Flash FloodJul 22, 2019$5,000
Flash FloodAug 8, 2019$50,000
FloodJul 30, 2017—
Flash FloodJul 29, 2017—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Jun 8, 2025. Daytime heating combined with higher moisture east of a dryline and upper level northwest flow across the northern and central Rockies and Great Plains resulted in the development of severe storms with large hail across Colfax, Union and far northeast Harding Counties during the late afternoon and evening hours before exiting into West Texas after midnight. A more potent shortwave at the base of an upper low over…

Flash Flood · Jul 30, 2022. The end of July continued to be busy for meteorologists at the Albuquerque National Weather Service Office as numerous thunderstorms impacted the area on July 30, 2022. With well above normal moisture available in the atmosphere, these thunderstorms were robust and very capable of producing heavy rainfall. Several flash flooding reports were received, including in the Rio Rancho and Edgewood areas.

Flash Flood · Jul 1, 2021. An abundant amount of atmospheric moisture remained in place across New Mexico on July 1, 2021, which set the stage for another round of widespread thunderstorms across the area. Temperatures also continued to warm several degrees which allowed for more instability across northern and central New Mexico. The result was deeper and more robust convection that produced heavy rainfall across portions of the area. Flas…

Flash Flood · Aug 29, 2020. A backdoor cold front that moved through eastern and central New Mexico late August 28, 2020, replenished low-level moisture across the plains. A weak upper-level trough that was moving through southern Colorado and northeastern New Mexico provided additional lift and wind shear to produce isolated severe thunderstorms in the area. Upslope flow allowed for thunderstorms to form early in the day across the northern…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Union County

If a building in Union County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.